Thanks for your observation. We appreciate your words. Indeed we are a FinTech company above anything else.

Thanks for your question. Our pre-sale is strictly private and is open to accredited investors. If you are interested in more information, please send us a message through our website, and we can provide some information. We cannot guarantee here the availability of the investment opportunity as certain conditions are applicable to participate in the pre-sale.

Our platform will be originally based on the Ethereum blockchain. It is envisaged that further on, a native chain will be also developed.

In a few words, our platform works in the following way:

1. A mortgage loan applicant feeds all relevant information (hard and soft) for the underwriting of the loan (assessment and appraisal).
2. A data analytics system powered by artificial intelligence, machine learning and neural networks, assess the application and pre-approves it (or not)
3. If pre-approved, the loan application is risk-rated and divided into "slices", that is, sub-units. For instance, a $250,000 loan can be divided into 25 $10,000 slices
4. The slices are offered to potential lenders as investment options.
5. Once all slices are funded by lenders (over a max period of 30 days), the loan is sent to digital closing.

Thanks for your comment and question. We think that the main advantage of the project is that it does not only focuses on the digitization aspect of mortgage origination, but also in the sophistication of the mortgage loan assessment and the flow of information and funds from borrowers to lenders. Blockchain technology will significantly information sharing and access for business processes where several actors are involved. Mortgage origination is one of such.

Most of the innovation regarding mortgage lending is focused on the digitization of the several stages of mortgage origination (application/underwriting/closing). Homelend, while also aiming at an end-to-end digital origination process, is more focused on tapping on the power of smart contracts, AI and neural networks to create sophisticated creditworthiness assessment systems. Our platform will pre-assess mortgage applications before loan investment opportunities are offered to potential lenders under a P2P/crowdlending framework. This is not currently done by any platform, at least to our knowledge.

Indeed. We have a bounty campaign that will start very soon. We'll keep the community updated through our social channels and also in our website:https://homelend.io/

Thanks for your question. Our go-to-market strategy is currently focused on Hong Kong and Mainland China. We have already an strategic alliance with a non-bank mortgage lender in Hong Kong.
Homelend will address the primary market, i.e. origination of mortgage loans. We are convinced, however, that sooner than later the secondary market and the MBS market will be also disrupted by blockchain, and of course we aim to be part of this revolution.

Today, only 1% of mortgage loans are processed entirely in a digital way. Besides, there is no operational crowdfunding platform for mortgages. Sure, you can find P2P lending platforms like Prosper and Lending Club, which cover microloans without collateral; but you can't finance your mortgage through those platforms. Homelend brings P2P lending to an area that, for several reasons, could not be addressed yet: mortgages. What made this possible was the blockchain revolution. Today, blockchain makes possible to create a shared database of digitalised mortgage files. Also, P2P lending and blockchain were made for each other. In a few words, Homelend will change the mortgage industry by getting borrowers and lenders closer to each other through a transparent and more efficient business platform.

Thank you very much for your help!

Thank you!
And if I'm a newbie?

If I want to make a bounty program and give out stakes for others to put my signature
If I'm a jr. member- is that a problem?

And if I want to make a bounty program and give out stakes for others to put my signature
If I'm a jr. member- is that a problem?

Several ICOs are being conducted for P2P lending platforms, like Celsius, Lendoit and MicroMoney. Homelend is also a P2P lending platform, but there is an important difference: Homelend specialises in mortgage loans. Mortgages are very different than other kind of loans, because they involve a collateral: the property itself

Thanks for your help!

HOMELEND IS A MORTGAGE CROWDFUNDING PLATFORM
We’re building a blockchain-based, peer-to-peer mortgage lending platform

Mortgage Loans Are at the Core of Society
Having a home is one of the basic human needs - a need most people are only able to afford by taking out a mortgage loan from the bank. In the U.S. alone, more than 8 million mortgage loans are granted every year.

An Archaic $31 Trillion Industry Yearning for Disruption
The U.S. mortgage market is valued at $14 trillion, and the global market is expected to reach $31 trillion by the end of 2018. Yet, despite how central this market is both socially and economically, the traditional mortgage lending system remains incredibly primitive.

The system relies on lengthy and complex paper-based processes involving various intermediaries—processes that are laden with inefficiencies and overhead costs for both borrowers and lenders. Moreover, mortgage loans are largely unattainable for the new generation of young borrowers, excluding millions of creditworthy individuals from obtaining home loans due to outdated assessment criteria.

To know more about us:
Website: https://www.homelend.io/
Whitepaper: https://www.homelend.io/files/Whitepaper.pdf

The pre-sale was started on March 1st and is still taking place. It will last until 31 May, although depending on the speed with which we obtain ICO approval from FINMA (the Swiss financial authority), it could be extended until the end of June
Indeed, we have privately raised some funds through Token Pre-Sales contracts

Our bounty program is on its way
Stay tuned and join our telegram channel!
https://t.me/HomelendPlatform

Hello everyone,
Can someone explain me the whole idea of signatures?

1. When can I create my own signature
2. I saw bigger once and smaller once depending on my position in BitcoinTalk- ?
3. In bounties, how does it work with signatures?

I guess it's another world of BitcoinTalk

Thanks!

It will be the HOTTEST OF 2018!!!

HOMELEND IS A MORTGAGE CROWDFUNDING PLATFORM
We’re building a blockchain-based, peer-to-peer mortgage lending platform

HMD Tokens are in their pre-sale
Next week bounty!

For more info:
https://homelend.io/

We have created our own subreddit!!
Come and say hello 😃

Subscribe so you can join our amazing community😉
https://www.reddit.com/r/Homelend/

Hey, my name is Sarah and I'm part of the community team called “Homelend”,
an Israeli startup that uses the power of Blockchain technology to disrupt the $ 31 trillion global mortgage industry.
Our company is developing a P2P lending platform for mortgage loans, under a crowdfunding mechanism that will enable individuals to fund/invest in mortgage loans, using smart contracts and fully automated Blockchain protocols.
In the next months, we will launch an ICO which shall be conducted from Zug, Switzerland (a.k.a. Crypto-Valley), under the highest standards of security and trust.
We wanted to invite you to join our telegram group so you can stay tuned with our ICO updates and enjoy our bounty program that will start in the next couple of days.
Join our Telegram group: https://t.me/HomelendPlatform

We are also inviting you to read more about our project on our site and media:


1. Homelend’s website: www.homelend.io
2. Newsbtc article: https://www.newsbtc.com/2018/04/09/decentralization-which-blockchain-platforms-make-most-difference/
Looking forward to seeing you join us in one of the hottest ICO’s of 2018!